LIFE-6160 1/19 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

Affordable protection now. Flexibility for tomorrow.

JOHN HANCOCK TERM LIFE INSURANCE

OFFERING SAVINGS & REWARDS FOR LIVING HEALTHY

INSURANCE PRODUCTS:

Not FDIC Insured Not Bank Guaranteed May Lose Value

Not a Deposit Not Insured by Any Federal Government Agency

John Hancock Term is one of the most affordable ways to protect your loved ones and build financial security.

1JOHN HANCOCK TERM

Some people think life insurance is only for the wealthy, but

you don’t have to be a millionaire to need it — or afford it.

Not only can life insurance protect your family’s financial future,

but now it can even help you live a longer, healthier life with the

John Hancock Vitality Program.

A life insurance policy can give you the protection you need throughout your lifetime.

Are you single, engaged or married? A life insurance policy can help any loved ones you may be supporting,

settle outstanding obligations, and continue to pay other expenses.

Do you have children? With life insurance, you can provide for your children and help them

have the life you’ve dreamed of for them.

Do you own a house? Life insurance can pay down or pay off your mortgage so your loved

ones can continue to call your house home.

Do you need life insurance?

WHY BUY TERM LIFE INSURANCE?

Provides protection to your loved ones when they need it the most

It’s the most affordable type of life insurance you can buy

You choose how long the policy will last, based on your needs

1. 2016 Insurance Barometer Study , Life Happens and LIMRA. https://www.lifehappens.org/press-releases/2016-insurance-barometer-study-shows-an-improving-climate-for-life-insurance/

THE TRUE COST OF LIFE INSURANCE.1

80% OF AMERICANSOVERESTIMATE

2 JOHN HANCOCK TERM

Tailor your policy

Term is the most basic type of life insurance you can buy. It’s called term insurance because

it offers benefits that cover a specified period of time. Take a look at the valuable features

John Hancock Term offers you:

Choice of Term Length and CoverageCustomize your policy to meet your coverage

needs, selecting a 10-, 15- or 20-year term

duration, and $100,000 or more of coverage.

Premium AssuranceYour premiums are guaranteed not to increase for

the duration of your policy. And your premiums can

decrease each year if you elect the Vitality PLUS rider.

Guaranteed Option to Convert to Permanent Coverage2

You can exchange your term policy for one of

our permanent policies during the entire level

term period.

Guaranteed CoverageThe death benefit you choose is level and

guaranteed not to change for the duration

of your policy.

Total Disability Waiver Rider3,4

If you are disabled for six months or more,

this benefit waives your annual premium for

the duration of your covered disability or for

the duration of your policy.

Accelerated Benefit Rider3,5

You can broaden the protection of your term life

insurance policy with this feature, which allows

you to access a portion of the death benefit if you

become terminally ill.

AFFORDABLE PROTECTION Our customers choose John Hancock Term because it

offers affordable protection with the option to convert

to a permanent policy as your needs change.

3JOHN HANCOCK TERM

For more information,ask your financial advisor about the value of the John Hancock Vitality Program.

2. Conversion is limited to policies offered to individual policy owners at the time of conversion. If the new policy includes a rider that is not in force on the term policy, evidence of insurability is required. For conversion to survivorship products, retention and certain underwriting considerations may apply. Unlike term insurance, variable universal life insurance has fluctuating returns and death benefits, and because variable universal life insurance policies offer investment options, there are investment fees in addition to the cost of maintaining an insurance policy. Please refer to your contract for details of your conversion provision. 3. Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional fees and expenses associated with them. 4. In the event of total disability, the Total Disability rider waives the premium up to a maximum of $5,000 per month. Rider available to issue age 55, $5 million maximum face amount, on all policies. If disability occurs before age 60, premiums are waived until recovery or the termination of the contract, whichever is earlier. If disability occurs between ages 60 and 65, premiums are waived until the earliest of contract termination, recovery, or age 65. The cost for this rider is based on the insured’s age at issue and the policy’s face amount. 5. The Accelerated Benefit rider provides a “living benefit” if the insured is certified to be terminally ill. Benefits may be taxable under current law. Policy must be owned by the insured. Insureds should consult their personal tax advisors regarding the tax implications of benefits received under the Accelerated Benefit rider. This provision allows the insured to receive up to 50% of the death benefit of the contract available, to a maximum of $1 million. The remaining death benefit is reduced by one year’s interest at current loan rate on the benefit paid. 6. The Unemployment Protection rider waives premium payments for up to 12 months while the life insured is involuntarily unemployed, up to an annual premium amount of $10,000 and for policies with up to $5 million in coverage. There is a 12-month waiting period before the insured is eligible to submit a claim for the rider benefit, and the insured must submit proof that he/she has been receiving federal or state unemployment benefits for at least four consecutive weeks. This rider may be purchased through the issue age of 60, and the maximum attained age to exercise the right to use the rider is age 65.

Unemployment Protection Rider6

This benefit will waive your premiums in the event you

become unemployed, up to an annual premium amount

of $10,000 and for policies with coverage of up to

$5 million. This rider benefit can be used twice during

the term duration.

John Hancock VitalityAt John Hancock, we believe in helping people live

longer, healthier lives. With the John Hancock Vitality

Program, you’ll be rewarded for the everyday things you

do to be healthy, like exercising, eating well, and getting

annual check-ups.

4 JOHN HANCOCK TERM

The John Hancock Vitality Program

With John Hancock Vitality

life insurance, you’ll get the

financial protection you

need, along with savings and

rewards for living healthy.

Whether you enjoy healthy

living today or simply aspire

to live healthier, there are two

great versions of the program

to support you along the way.1

Vitality GOHealthy living tips, resources, and rewards to get you going

GO7. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.8. Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of participation in the John Hancock Vitality program.9.Apple Watch program is not available in New York. You can order Apple Watch Series 3 (GPS) or Series 4 (GPS) by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out of pocket payments are based on the number of workouts completed. Upgrade fees apply if you choose (GPS + Cellular) versions of Apple Watch Series 3 or Series 4, watch case sizes, certain bands and case materials. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.10. The HealthyFood benefit is available on qualifying purchases in the first year in the John Hancock Vitality Program. In subsequent years, HealthyFood savings apply to members who earn Gold or Platinum status in the program. If you elect to upgrade to Vitality PLUS and your term policy has a face amount less than $2 million, you are eligible to earn an Apple Watch (or get a complimentary Fitbit device or wearable device discount), Hotels.com discounts, plus a 10% HealthyFood discount, the free 12-month subscription to Headspace, shopping and entertainment gift cards, and — in the first program year only — a free health check. Policies with face amounts of $2 million and above are eligible for the full suite of rewards and discounts.

You can experience the John Hancock Vitality Program and

live healthier with Vitality GO – included on your policy at no

additional cost.3 With this basic “be healthy” version of the

program, you’ll enjoy:

• The chance to win discounts on Amazon.com for your

healthy achievements

• Savings on fitness devices and healthy gear including Fitbit®,

Garmin, Polar and REI7

• An easy-to-use app and website with health-related

resources, including the Tufts Health & Nutrition Letter,

Live More magazine, and your personalized health goals

We’re so sure you’ll enjoy the Vitality GO experience that you’ll want to upgrade to Vitality PLUS in the first 25 months. You can even transfer your Vitality GO status and points to Vitality PLUS to earn premium savings year after year, along with other great rewards and discounts!

PLUS

It’s easy and funEarn Vitality Points for healthy activities like walking, exercising

and buying healthy food

Achieve a Vitality Status (Silver, Gold, or Platinum) based

on the number of points you earn

Get rewarded for your healthy habits with savings and discounts

When you add Vitality PLUS to your policy for as little as 3%

more, you’ll enjoy all the benefits of the John Hancock Vitality

Program, including:

+ Premium savings8

+ The opportunity to earn Apple Watch® Series 3 or Series 4

for as little as $259 or get a complimentary Fitbit device

+ A one-year Amazon Prime membership when you reach

Platinum Status three years in a row

+ Up to $600 in annual savings on the healthy food you buy10

+ Exclusive discounts at more than 350,000 eligible properties

around the world with Hotels.com

+ Entertainment and shopping discounts from name brands

like Amazon, REI, Starbucks, and more

+ A free 12-month subscription to Headspace® as part of

the HealthyMind™ benefit

+ An easy-to-use app and website with health-related

resources, including the Tufts Health & Nutrition Letter,

Live More magazine, webinars and financial fitness tips

Vitality PLUSEnjoy premium savings and rewards for living healthy

JOHN HANCOCK TERM 5

Vitality is the provider of the John Hancock Vitality Program in connection with your life insurance policy and the Healthy Engagement Rider.Insurance products and the Healthy Engagement Rider are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210.MLI081318073

11. Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of September 30, 2018, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company’s financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength ratings from other rating agencies. Financial strength ratings are not an assessment, recommendation, or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts.The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy in force, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage. Availability of policies, features, and benefits may vary by state.Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.For the purposes of this guide, it is assumed that you are both the policy owner and the life insured. If you are not both, premium savings will apply based on the Vitality Status attained by the life insured. The discounts, rewards, and Fitbit will be provided only to the life insured to encourage participation in the program. Status is attained based on the actions of the life insured only.Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Policy Form Series: ICC16 2017TERM, 2017Term

Rider Form Series: 17UPR,S128-6,S134-1, ICC18 18HERT, 18HERT

Strength. Stability. John Hancock.John Hancock is among the highest-rated companies for financial strength and stability as demonstrated by its

A+ rating from A.M. Best.11 Financial strength ratings are a comprehensive measure of a company’s financial

strength and stability, and are important as they reflect a life insurance company’s ability to pay claims in the

future. With over 155 years of experience, John Hancock offers clients a diverse range of insurance products

and services through its extensive network of employees, agents, and distribution partners.

For more information on this or other life insurance products, please contact your insurance agent.